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Fetch Pet Insurance Review

361 Customer Comments & Reviews - see all comments
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Fetch offers the most comprehensive pet insurance and health advice for dogs and cats. The company is trusted by the top no-kill shelters in the U.S. and Canada, and is the exclusive pet insurance provider for AARP members.
 
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How is Fetch rated?

Breakdown

5.0/5
Coverage
3.0/5
Cost
4.5/5
Extras

Overall Rating: 4.4 / 5 (Excellent)

Fetch ranks highly with us chiefly because of the comprehensiveness of coverage, including coverage for the entire sick visit including exam fees, and flexibility in customizing deductibles, reimbursement rates, and maximum annual payouts. In light of this, the customer has a lot of leeway to mix and match to get the right premiums for their individual pet and financial situation.

Fetch Coverage

Coverage - 5 / 5

Fetch offers the most extensive coverage in comparison to the other companies we rate. They handle all new accidents and illnesses without restrictions for hereditary or congenital conditions, as well as medications, advanced testing, hospital stays, rehabilitative care, and holistic therapies.

Fetch provides coverage for behavioral treatments on all policies, including anxiety disorders such as travel and separation anxiety, noise phobia, and house soiling. Many other providers require a rider or don’t cover behavioral treatments at all.

Also, all non-routine veterinary exam fees are covered in all plans, including at emergency & specialist vets. While some providers don’t cover the cost of the exam, Fetch does, saving pet parents between $50-$250 per visit on average (with other providers, that’s the equivalent of an additional deductible you must meet on every veterinary visit).

Fetch has the most comprehensive coverage of dental injury and treatment of periodontal disease. Fetch’s comprehensive dental coverage protects against multiple accidents and injuries including broken teeth, periodontal disease, extractions and advanced dental treatments such as root canal therapy for every tooth in the mouth, not just the canines like some other providers.

Finally, Fetch will cover curable pre-existing conditions after the 365 day exclusionary period after your policy becomes active. The company also covers most bilateral conditions when one side is considered to be pre-existing, which is something many other providers won't do.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Vet Selection
Unrestricted
Out-of-State Coverage
Yes
Commercial Pets Covered

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Behavioral
  • Oral Disease and Injuries

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Alternative Care
  • Holistic Care
  • Homeopathic Treatments

Benefit Limits

Benefit Limits - 5 / 5

Fetch's maximum annual payouts can range from $5,000 to unlimited.

This can be advantageous if you research the types and costs of conditions your particular breed is likely to face, and combine it with the cost of treatment considering your area.
Benefit Limit Types
Annual

Reimbursement & Deductibles

Reimbursement - 5 / 5

Like all the leading pet insurance policies today, Fetch will pay a predetermined percentage of your actual veterinarian bill after you have met your deductible.

The reimbursement rates you can choose from are 70%, 80%, and 90%.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
70%
Maximum Percent Reimbursement
90%

Deductibles - 5 / 5

Cat owners can select a deductible of $250, $300, or $400, while dog owners can select a deductible of $300, $500, or $700.

If you choose a higher end deductible, it is going to translate into lower monthly premiums. Fetch operates on an annual deductible, which is ideal as you will only have to meet the one deductible regardless of incidences.
Deductible Type
Annual
Minimum Deductible Offered
$250
Maximum Deductible Offered
$500

Pricing: How much does Fetch cost?

Cost - 3 / 5

Fetch leverages their 15 years of data to determine the most accurate pricing based on your pet’s breed, age and your location. Fetch also prides itself on offering more coverage than any other provider. They offer premium pet insurance and that means they are not the cheapest. Pricing is based on your pets age, breed and location.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$19.66
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$19.66
Rate Details: Annual Deductible: $300, Annual Coverage: $10,000, Reimbursement Model: 80% of Actual Cost for zip code 76006 for a small mixed-breed puppy or domestic shorthair kitten.
Available Discounts: Up to 10% discounts for shelter adopters, rescue adopters, veterinarians, veterinary employees, active military and veterans.

Enrollment & Waiting Periods

Enrollment - 3.8 / 5

Fetch allows enrollment for dogs and cats as young as six weeks.

Also, unlike most companies, the company does not have an upper age limit so older animals can get covered as well.

For illnesses, the waiting period is up to 15 days.
Min Enrollment Age
6 weeks
Illnesses Waiting Period
15 days

Claims & Service

Extras - 4.5 / 5

Fetch is one of the only pet insurance companies to specifically state a claims payout timeframe in its terms and conditions, 30 days. However, most are reimbursed in 5-7 business days after submission of a completed claim, especially when submitted via the Fetch App or online.

To file a claim, you need two documents:
● A finalized invoice from your vet. Your invoice should clearly show what your pet was treated for, how much you were charged and it has to be paid in full.
● Detailed medical records from your pet’s most recent checkup. Medical records show us your pet’s medical history and let us see what we can cover, which allows us to process your claim quickly.

One thing to note: claims have to be filed within 90 days of treatment. If a claim is submitted more than 90 days after the date on the invoice, it won’t be covered.

Fetch also gives you the flexibility of submitting this information through its free app for Android and iPhone. You can also use their online portal on your phone or computer. This lets you file claims instantly and without messy paperwork 24/7.

Fetch also features the "Telehealth" service. This facility provides coverage for telephone consultations for an immediate lifesaving emergency.
Claim Form
Mail
Email
Fax
Online Portal
Mobile App

Contact & Additional Information

Homepage URL
https://www.fetchpet.com/
Headquarters Address
101 Greenwich Street, New York, NY, 10006
Mailing Address
PO Box 1489, Bolingbrook, IL, 60440
Year Founded
2003
What We’re Hearing From Our Readers
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Customer Comments

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kate.karow.abroad

11/24/2018
We have been long-term customers with multiple pets, but found out today that they changed our pets deductible without our knowledge or permission. They claim to have sent a letter but we never got one, and now our recent claim that we had to send in will mostly be uncovered because they increased our deductible from $200 to $650 without our permission. They also decreased my discount from 15% which I had had for years, to 10%. This is a very deceptive, bait and switch way to run a business and we are looking for alternative providers now.
19 People found this helpful.
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Keyai L  
Official Response

Community Manager of Fetch Pet Insurance
Hi Kate, I understand your frustration and would like to have a Petplan team member follow-up with you to discuss the details of your policy. Please email us at socialmedia@gopetplan.com with your policy number so I can have a team member contact you.
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Brett M

9/21/2015
If I could give zero stars I would choose that option. I had this insurance for seven months and the first claim I submitted was for what was most likely a visit to the vet due to a stomach flu. It took them 74 days to process the claim and they denied the claim without notifying me. I had to call them to determine the status of the claim only to be told that the claims department decided my dog's visit was due to a pre-existing condition. A little over six months prior to my claim I had to take my dog to the vet, because of unexplained vomiting. The vet basically gave her something to calm her stomach and the symptoms went away a day later. Apparently because the symptoms were similar... Read More
19 People found this helpful.
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Craig

8/26/2018
Horrible company. Lots of fine print. Their goal is to deny claims.
18 People found this helpful.
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John B

6/19/2015
We had a broken leg claim which was handled 5 star...however, every year the insurance premium hikes $10. Doesn't matter how wonderful or nice PetPlan is, we must change to a more stable pet insurance carrier.
18 People found this helpful.
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Claudia M

1/18/2016
I do not recommend this company. Despite the fact that I have had the insurance since approx. 2008 and have submitted only one claim for teeth cleaning. This company recently raised the rates on my dog by 22%! I have tried to obtain a reason for this increase which is far beyond increases I received for either my own property insurance or my own health insurance. I can only assume that they have done this "because they can". I find this astounding. The people I have spoken with like to say "I'm sorry you feel this way" - and they don't seem to understand the difference between "feelings" and "facts"...I plan to shop for a different company asap. I will not give them another penny given... Read More
17 People found this helpful.
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D
Denise D

8/22/2017
I love PetPlan, but the premium increase is becoming way too costly. I have had two claims and I do understand that premiums rise. I even called to see about increasing my deductibles and co-pays, but the savings were minimal at best. I work in the insurance industry so I get how it all works. I was advised that the new underwriter is not allowing changes until you are a customer for three years. I insure 5 cats and want to add a 6th. I am sorry to say that you are going to lose a customer.
16 People found this helpful.
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JeanP

6/30/2015
I will not purchase Pet Plan for my second cat. Seems every service my first cat has is chalked up to a condition she had as a kitten though they are not clinically related so no coverage. Now wondering if I should cancel the policy as I am wondering if anything will ever be "covered."
16 People found this helpful.
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R
robert b

2/24/2019
They paid my claim of $2,7000 promptly, but raised my monthly premium to $247.00
14 People found this helpful.
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K
Keyai L  
Official Response

Community Manager of Fetch Pet Insurance
Hi Robert, in many cases we are able to identify options to reduce your monthly premium. Please give us a call at 1-800-220-0991 to allow us to review your policy and determine where we might be able to provide you with a savings.
Valerie E

6/6/2019
So only in the world of PetPlan Insurance would a previously broken bone (Jaw) that was broken well over two years prior the policy inception date to be a preexisting condition. They dragged the claim out for almost 50 days only to deny the claim. THIS IS A BUYER BEWARE. GO ONLINE .... read the reviews of ALL the pet insurance companies - this company does everything it can NOT TO PAY CLAIMS.. and on the same day they denied my claim - they sent me a renewal letter ... isn't that funny!!!! DO YOUR HOMEWORK-I wished I had.
10 People found this helpful.
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bob

1/25/2020
Unlike other insurance companies Petplan charges a deductible per illness not per year. My dog was very sick and they charged the $600 deductible five times over a few month period. That's $3000 in deductibles because the terminal illness involved multiple organs. They are also a pain to deal with regarding requiring medical records whereas other companies I looked at do not. I would not use this company.
8 People found this helpful.
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  • Most comprehensive pet insurance for dogs & cats
  • Get back up to 90% on unexpected vet bills
  • $1000 in online vet visits included at no extra cost  
  • Exam fees are covered (Save $50-$250 per sick visit)
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